% Note: this file defines muw as a function of the basic values, adjusted for the transition from bankers to households.
muw_transition_component = -  eta * ones(size(w_matrix)) ;   % + 0.01* (1-w_matrix)./w_matrix ;
muw_matrix = (1-w_matrix).*(  mub_matrix - muh_matrix + sigmah_matrix.^2 - sigmab_matrix.*sigmah_matrix - w_matrix.*(sigmab_matrix-sigmah_matrix).^2 + muw_transition_component  ) ;     
muw_matrix(1,:) = muw_matrix(2,:);   % w=0 sets to the value of muw very close to zero, to avoid infinity, which is a singularit to the algorithm. 
